Compare Bank & Credit Union Rates
Best CD rates in Cedar Falls, IA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–28 results in Cedar Falls, IA
- 3.40%APY$169 over 6 months on $10,000
Requirements
Product: Minimum amount required to open any Term Share Certificate is $1,000. A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.
3.37% interest rate · Effective Jun 2, 2026
Rate checked
More details - Veridian Credit UnionAdd-On CDCD · 12 months · $0 min · 0.10%–3.35% by balance
Credit union · 4 branches
3.35%APY$335 over 1 year on $10,000Requirements
Product: Allows additional deposits during the term. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. Membership requires a minimum $5 share deposit. No monthly maintenance fees.
Offer: Tier 1
Effective Sep 25, 2026
Rate by balance
Rate by balance for Add-On CD Balance APY Up to $49 0.10% Up to $499Tier 2 3.00% $500 and upYour amountTier 3 3.35% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.15%APY$183 over 7 months on $10,000with conditions
Requirements
Product: Checking relationship required. CD needs to be open 7 business days prior to closing the CD. Penalty for early withdrawal. Institutional/business funds not eligible.
Offer: Checking relationship required. CD needs to be open 7 business days prior to closing the CD. Penalty for early withdrawal. Minimum of $500 required to earn 3.15% APY. Institutional/business funds not eligible.
Qualified rate · 3.12% interest rate · Effective Feb 12, 2026
Rate checked
More details - 2.90%APY$741 over 30 months on $10,000with conditions
Requirements
Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
Qualified rate · 2.87% interest rate · Effective Sep 23, 2026
Rate checked
More details - 2.25%APY$56 over 3 months on $10,000
Requirements
Product: Rates are subject to change without notice. Penalty for early withdrawal. Fees may reduce earnings on the account. Interest compounded quarterly. Member may elect interest to be added back to the certificate, deposited to an account or check to be mailed.
2.23% interest rate · Compounded quarterly · Effective Aug 1, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.51%APY$618 over 48 months on $10,000
Requirements
Product: Available in First Bank service areas of Bremer, Black Hawk, Wright, and surrounding counties in Iowa. Substantial penalty for early withdrawal.
1.50% interest rate · Effective Oct 8, 2026
Rate checked
More details - 1.15%APY$588 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. APY assumes interest remains on deposit until maturity and withdrawals reduce earnings.
1.15% interest rate · Effective Sep 16, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.01%APY
Requirements
Product: A penalty for early withdrawal may be charged. Minimum Opening Deposit equals the Minimum Balance to Earn APY.
Offer: Applicable for Certificates of Deposit only and do not apply to IRAs.
0.01% interest rate · Effective Sep 28, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Cedar Falls, IA
161 CDs at 16 banks and credit unions · checked Oct 6–22
- Typical
- 2.90%
- Top 10% from
- 4.21%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.38%
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Waterloo, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 1 branch
- CFCCUCredit union · 3 branches
- Empeople Credit UnionCredit union · 6 branches